HouseMe Legal
Calculators, Guides & Checklists
Plain-English calculators, guides and checklists for each step of buying, selling and refinancing your home. Free to use — take what helps.
A 30-second video for every stage of buying, selling and refinancing, including the auction shortcut.
Run the numbers on your own situation. Everything works in your browser.
Every cash cost before you get the keys — not just the deposit.
Open the toolEstimate your equity, the cash to complete your next purchase, and your new repayments.
Open the toolSee how your cash, KiwiSaver and loan stack up — and when each part of the deposit is due.
Open the toolSale price minus the mortgage, break fee, commission and legal costs: the cash you actually keep.
Open the toolCashback versus break fee and legal costs, and the month the switch pays for itself.
Open the toolParents helping with the deposit? See how each route splits the home if you later separate, and what the bank needs to hear.
Open the toolWhere your lending goes on settlement day, and what comes back to you.
Open the toolShort, plain-English walk-throughs of the parts people ask about most.
What actually happens on the day, and who does what.
Open the guideCompare bidding with waiting for the pass-in, then drag to auction day to see what it costs to get ready and whether there’s time.
Open the toolAdd recent sales nearby, mark each better or worse, and see the price range they support next to the CV and online estimate.
Open the toolPick what the agent said or did and see whether the Code of Conduct allows it, the rule number, and what to do next. With a one-page cheat sheet.
Open the toolEight questions that show what to sort before you make an offer or bid at auction, and the three next moves that lift your score.
Open the toolEnter the signing date and settlement date and see every condition deadline in working days, with the traps around Christmas and KiwiSaver.
Open the toolDrag from bare land to move-in day and watch the developer’s Further Terms switch off as the house goes up.
Open the toolWhat our legal work costs a first-home buyer, laid out plainly.
OpenHow to put your KiwiSaver towards your deposit and settlement.
OpenHow to negotiate repairs and problems a building report turns up.
OpenOur three-step process to get your home sold.
OpenWhat the legal side of selling your home costs.
OpenResearch, conditions, the offer letter and setting your deadline.
OpenLegal review, lending, KiwiSaver and going unconditional safely.
OpenFixed pricing for a refinance, plus the ownership-structure add-ons.
OpenOne-page, print-friendly lists so nothing gets missed.
Every step from offer to settlement, ticked off.
OpenWhat to line up before and during your sale.
OpenFrom "is it worth it?" to the new mortgage on the title, with who does what at each step.
OpenEverything sorted before you raise your hand.
OpenTwo questions pick your route, then follow every step from first email to keys, including where to sign.
Open the toolWhat to check at an open home and your final inspection.
OpenThe tricky decisions, mapped one step at a time.
The offer decision, mapped out one step at a time.
OpenWhen each part of your deposit is due, and where it goes.
OpenDocuments you copy and make your own, rather than read.
Your first-home journey, stage by stage.
1 Before you offer
2 Making your offer
3 After you’re unconditional
Getting your home sold and settled.
Moving your lending, without the jargon.
Fifteen minutes, no obligation. Tell us where you are on the climb and we'll point you at the two or three tools that matter for you.
Book a free 15-minute callOr call 09 918 9404 · angus@housemelegal.co.nz
The calculators run entirely in your browser — nothing you enter is saved or sent. These tools, guides and checklists give general information and estimates only — not legal, tax or financial advice, and not a quote. Figures are indicative. For advice on your specific situation, please get in touch.